| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP PROPERTY & CASUALTY SERVIC | 8201 N HAYDEN RD SCOTTSDALE, AZ 85258 | BLUE CROSS BLUE SHIELD OF ARIZONA | $36K | — | $36K | 4.05% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INS SERVICES INC | 3470 MT DIABLO BLVD STE A100 LAFAYETTE, CA 94549 | BLUE CROSS BLUE SHIELD OF ARIZONA | $3K | — | $3K | 0.30% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP PROPERTY AND CASUALTY SERVICES | 8201 N HAYDEN RD SCOTTSDALE, AZ 852582453 | KAISER FOUNDATION HEALTH PLAN INC. | $35K | — | $35K | 4.95% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | 3470 MT DIABLO BLVD STE A100 BLDG 2 STE 125 LAFAYETTE, CA 945493958 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $4K | $7K | 5.67% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP PROPERTY & CASUALTY SERV | 8201 N HAYDEN RD SCOTTSDALE, AZ 852582453 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $12 | $3K | 2.63% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 80 S 8 ST STE 700 MINNEAPOLIS, MN 554022105 | METROPOLITAN LIFE INSURANCE COMPANY | — | $69 | $69 | 0.06% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 787466446 | METROPOLITAN LIFE INSURANCE COMPANY | — | $12 | $12 | 0.01% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP PROPERTY & CASUALTY SVCS INC | 5222 CYPRESS CREEK PKWY STE 175 HOUSTON, TX 770694429 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 8.60% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP PROPERTY & CASUALTY SVCS INC | 5222 CYPRESS CREEK PKWY STE 175 HOUSTON, TX 770694429 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 9.44% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP PROPERTY & CASUALTY SVCS INC | 5222 CYPRES CREEK PKWY STE 175 HOUSTON, TX 770694429 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 14.34% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CPA INSURANCE SERVICES INC. | — | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 9.82% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP PROPERTY & CASUALTY SVCS INC | 5222 CYPRESS CREEK PKWY STE 175 HOUSTON, TX 770694429 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 13.45% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 554 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 556 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 108 | $893K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 512 | $124K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ARIZONA | 304 | $915K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 424 | $68K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 224 | $42K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 35 | $22K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 108 | $893K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 424 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 512 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.